How to name beneficiaries and fund a trust at T. Rowe Price
Covers 4 investment, and 6 retirement accounts — beneficiaries can be managed online
Customer Service
Phone1-800-225-5132
Toll-Free1-800-225-5132
Emailinfo@troweprice.com
Mailing Address
Mutual fund: T. Rowe Price, Account Services, P.O. Box 17302, Baltimore, MD 21297-1300. Brokerage: T. Rowe Price Brokerage, Account Services, P.O. Box 17468, Baltimore, MD 21298-8275. Small business retirement: T. Rowe Price Retirement Client Services, P.O. Box 17350, Baltimore, MD 21297-1350. Overnight for all: 4515 Painters Mill Road, Owings Mills, MD 21117-4903 (with the matching Mail Code)
Mutual Fund Customers
Brokerage Customers
Small Business (SEP-IRA, SIMPLE IRA, Individual 401(k))
Financial Consultants (inherited accounts)
Financial Consultants
Automated Tele*Access (24-hour)
New to T. Rowe Price
T. Rowe Price 529
Maryland College Investment Plan
Alaska 529
Workplace Retirement Plans / 401(k)
Technical Support (24/7)
Secure Email Login Issues
WebsiteLearn more→
Customer Service
Phone1-800-225-5132
Toll-Free1-800-225-5132
Emailinfo@troweprice.com
Mailing Address
Mutual fund: T. Rowe Price, Account Services, P.O. Box 17302, Baltimore, MD 21297-1300. Brokerage: T. Rowe Price Brokerage, Account Services, P.O. Box 17468, Baltimore, MD 21298-8275. Small business retirement: T. Rowe Price Retirement Client Services, P.O. Box 17350, Baltimore, MD 21297-1350. Overnight for all: 4515 Painters Mill Road, Owings Mills, MD 21117-4903 (with the matching Mail Code)
Mutual Fund Customers
Brokerage Customers
Small Business (SEP-IRA, SIMPLE IRA, Individual 401(k))
Financial Consultants (inherited accounts)
Financial Consultants
Automated Tele*Access (24-hour)
New to T. Rowe Price
T. Rowe Price 529
Maryland College Investment Plan
Alaska 529
Workplace Retirement Plans / 401(k)
Technical Support (24/7)
Secure Email Login Issues
WebsiteLearn more→
Life Events (Death Notification)
Phone1-800-225-5132
Toll-Free1-800-225-5132
Emailinfo@troweprice.com
Mailing Address
T. Rowe Price, Account Services, P.O. Box 17302, Baltimore, MD 21297-1302 (overnight: Mail Code 17302, 4515 Painters Mill Road, Owings Mills, MD 21117-4903). Small business retirement plans: T. Rowe Price Retirement Client Services, P.O. Box 17350, Baltimore, MD 21297-1350
Small Business Retirement Plans (excluded from online notification)
Financial Consultants (inherited accounts)
Financial Consultants
WebsiteNotify online→
Verified Jul 2026
Preparing your T. Rowe Price investment accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.
With 10 product types, T. Rowe Price offers a range of transfer options. Some investment accounts support Transfer on Death (TOD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
T. Rowe Price Brokerage AccountGeneral Investing (Mutual Fund) AccountT. Rowe Price College Savings PlanCustodial Account (UGMA/UTMA)
1
Log in and open the beneficiaries profile at https://www.troweprice.com/usis/my-accounts/profile/beneficiaries -- the T. Rowe Price forms page (https://www.troweprice.com/personal-investing/help/forms.html) routes both "Mutual fund beneficiaries - transfer on death" and "IRA beneficiary" to this online flow
2
Add or update the designation for the account type:
- Taxable mutual fund and brokerage accounts: name or change Transfer on Death (TOD) beneficiaries
- Traditional, Roth, and Rollover IRAs: name or change IRA beneficiaries (the IRA Beneficiary form states these three IRA types can be changed at troweprice.com)
- SEP-IRA, SIMPLE IRA, Individual 401(k), and 403(b) accounts are handled by the Small Business team, not this flow -- call 1-800-492-7670
3
Provide each beneficiary name, date of birth, SSN, relationship (spouse or other), and percentage allocation totaling 100 percent
4
Review and confirm. T. Rowe Price also offers an online Trusted Contact designation at https://www.troweprice.com/usis/my-accounts/profile/trusted-contacts, which lets the firm reach a named person about your account if it cannot reach you
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- TOD registrations are made under the MARYLAND Uniform Transfer on Death Security Registration Act -- T. Rowe Price is Baltimore-based and registers TOD under Maryland law regardless of where the owner lives
- TOD is only available for accounts owned by one individual or by joint owners with rights of survivorship
- You may not name yourself or your estate as a TOD beneficiary, and an owner or joint owner of the account may not be listed as a beneficiary
- You may not write estate distribution provisions into the TOD form -- beneficiaries are listed on a per capita basis unless you indicate otherwise
- Beneficiary designations must be identical across all identically registered accounts, and they automatically apply to any identically registered account you open after signing the form
- On the death of a joint owner, the TOD designation carries over to the surviving owner's account
- Trusts, corporations, and other legal entities may be named as TOD beneficiaries
- Failure to provide percentages, or percentages that do not total 100 percent, results in equal allocation
- The form must be signed by all account owners
- Only Roth, Rollover, and Traditional IRA beneficiary changes can be requested online; SEP-IRA and SIMPLE IRA go through the Small Business team at 1-800-492-7670
Sources
Data sourced from T. Rowe Price primary sources (21 pages reviewed). How we research.
Download these T. Rowe Price instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against T. Rowe Price primary sources. Bring it to the branch or keep it beside the phone.
Customer Service
Phone1-800-225-5132
Toll-Free1-800-225-5132
Emailinfo@troweprice.com
Mailing Address
Mutual fund: T. Rowe Price, Account Services, P.O. Box 17302, Baltimore, MD 21297-1300. Brokerage: T. Rowe Price Brokerage, Account Services, P.O. Box 17468, Baltimore, MD 21298-8275. Small business retirement: T. Rowe Price Retirement Client Services, P.O. Box 17350, Baltimore, MD 21297-1350. Overnight for all: 4515 Painters Mill Road, Owings Mills, MD 21117-4903 (with the matching Mail Code)
Mutual Fund Customers
Brokerage Customers
Small Business (SEP-IRA, SIMPLE IRA, Individual 401(k))
Financial Consultants (inherited accounts)
Financial Consultants
Automated Tele*Access (24-hour)
New to T. Rowe Price
T. Rowe Price 529
Maryland College Investment Plan
Alaska 529
Workplace Retirement Plans / 401(k)
Technical Support (24/7)
Secure Email Login Issues
WebsiteLearn more→
Customer Service
Phone1-800-225-5132
Toll-Free1-800-225-5132
Emailinfo@troweprice.com
Mailing Address
Mutual fund: T. Rowe Price, Account Services, P.O. Box 17302, Baltimore, MD 21297-1300. Brokerage: T. Rowe Price Brokerage, Account Services, P.O. Box 17468, Baltimore, MD 21298-8275. Small business retirement: T. Rowe Price Retirement Client Services, P.O. Box 17350, Baltimore, MD 21297-1350. Overnight for all: 4515 Painters Mill Road, Owings Mills, MD 21117-4903 (with the matching Mail Code)
Mutual Fund Customers
Brokerage Customers
Small Business (SEP-IRA, SIMPLE IRA, Individual 401(k))
Financial Consultants (inherited accounts)
Financial Consultants
Automated Tele*Access (24-hour)
New to T. Rowe Price
T. Rowe Price 529
Maryland College Investment Plan
Alaska 529
Workplace Retirement Plans / 401(k)
Technical Support (24/7)
Secure Email Login Issues
WebsiteLearn more→
Life Events (Death Notification)
Phone1-800-225-5132
Toll-Free1-800-225-5132
Emailinfo@troweprice.com
Mailing Address
T. Rowe Price, Account Services, P.O. Box 17302, Baltimore, MD 21297-1302 (overnight: Mail Code 17302, 4515 Painters Mill Road, Owings Mills, MD 21117-4903). Small business retirement plans: T. Rowe Price Retirement Client Services, P.O. Box 17350, Baltimore, MD 21297-1350
Small Business Retirement Plans (excluded from online notification)
Financial Consultants (inherited accounts)
Financial Consultants
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your T. Rowe Price accounts and other assets with trusts, beneficiary designations, and estate planning documents.
